Audited annual filings, TTM ratios and consensus forward estimates
Wall Street price targets and rating actions
Revenue disaggregation per 10-K filing
Annual filings (FY) with consensus forward estimates (hatched)
Current price $84.57
Latest analyst grade actions
| Date | Firm | Action | Previous | New grade |
|---|---|---|---|---|
| Apr 30, 24 | Janney Montgomery Scott | upgrade | Neutral | Buy |
| Jun 29, 23 | Janney Montgomery Scott | downgrade | Buy | Neutral |
| Jan 26, 21 | Janney Capital | upgrade | Neutral | Buy |
| Jan 26, 21 | Janney Montgomery Scott | upgrade | Neutral | Buy |
1255 daily bars · split adjusted
Daily · Wilder smoothing
Classic floor pivots from 2026-10-23
Computed from daily OHLCV bars
| Indicator | Value | Type | Action |
|---|---|---|---|
| RSI (14) | 66.25 | Oscillator | Neutral |
| Stochastic %K (14, 3, 3) | 90.14 | Oscillator | Sell |
| Williams %R (14) | -5.57 | Oscillator | Sell |
| MACD (12, 26, 9) | 0.56 (Hist 0.61) | Oscillator | Strong Buy |
| Average Directional Index (14) | 14.86 (+DI 27.2 / -DI 10.6) | Trend | Neutral |
| EMA 20 | 80.60 | MA | Strong Buy |
| SMA 20 | 79.97 | MA | Strong Buy |
| EMA 50 | 79.69 | MA | Strong Buy |
| SMA 50 | 80.84 | MA | Strong Buy |
| SMA 200 | 70.11 | MA | Strong Buy |
Stock news · updated daily
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
BlackRock Inc. bought a new position in Citizens Financial Services Inc. (NASDAQ: CZFS) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund bought 354,551 shares of the company's stock, valued at approximately $25,684,000. BlackRock Inc. owned about 7.39% of Citizens Financial Services as of
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
Citizens Financial Services is rated Buy, driven by strong profit growth, operational metrics, and discounted valuation despite recent share price gains. CZFS's Q2 2026 EPS beat expectations, net interest margin expanded to 3.69%, and tangible book value per share rose 17.6% year over year. Forward PE of 9.29 remains below regional peers, with the company likely to exceed its FY 2026 earnings projection.
Great Lakes Advisors LLC bought a new stake in Citizens Financial Services Inc. (NASDAQ: CZFS) during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor bought 7,797 shares of the company's stock, valued at approximately $565,000. Great Lakes Advisors
Citizens Financial Services (CZFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
Reported EPS vs. consensus estimate
| Report date | EPS est. | EPS actual | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | 1.98 | 2.12 | Beat 7.1% | $29.71M |
| Apr 29, 2026 | 1.98 | 2.16 | Beat 9.1% | $29.78M |
| Jan 30, 2026 | 2.07 | 2.18 | Beat 5.3% | $29.61M |
| Oct 30, 2025 | 1.76 | 2.09 | Beat 18.7% | $44.11M |
| Jul 30, 2025 | 1.62 | 1.76 | Beat 8.6% | $42.41M |
| Apr 30, 2025 | 1.49 | 1.60 | Beat 7.4% | $42.44M |
| 4 | Sep 15, 2026 | 2026-09-15 16:47:42 | View |
| 4 | Sep 15, 2026 | 2026-09-15 16:44:12 | View |
| 4 | Sep 15, 2026 | 2026-09-15 16:38:00 | View |
| 4 | Sep 15, 2026 | 2026-09-15 16:33:28 | View |
| 4 | Sep 15, 2026 | 2026-09-15 16:30:02 | View |
| 4 | Sep 15, 2026 | 2026-09-15 16:26:17 | View |
Proxy statement (DEF 14A) disclosures
TTM vs. 5-year historical average (annual ratios)
| Metric | CZFS | Historical (5Y) / ref | Status |
|---|---|---|---|
| P/E ratio (TTM) | 9.9x | 10.6x · sector 20.4x | Discount |
| Forward P/E (FY26E) | 9.7x | EPS est. 8.70 | In line |
| Price / Book | 1.2x | 1.1x | In line |
| Price / Sales | 2.3x | 2.3x | In line |
| EV / EBITDA | 14.5x | 13.6x | In line |
| Return on equity | 12.1% | — | Healthy |
| Gross margin | 65.9% | 72.0% | In line |
| Debt / Equity | 1.12 | 0.92 | Moderate |
| Piotroski / Altman Z | 6/9 | Z 0.31 | Distress |
Discounted cash flow model
FY2025 · 10-K disclosure
Free float vs. closely held shares
13F institutional holdings are not available in the current data plan.
SEC Form 4 filings
| Date | Insider | Role | Type | Shares @ price | Value |
|---|---|---|---|---|---|
| Sep 22, 26 | Landy R Joseph | director | G-Gift | 40 | — |
| Sep 15, 26 | Landy R Joseph | director | A-Award | 70 | — |
| Sep 15, 26 | Depaola Rinaldo A | director | A-Award | 70 | — |
| Sep 15, 26 | Hilfiger Janie M | director | A-Award | 70 | — |
| Sep 15, 26 | Painter John P Ii | director | A-Award | 70 | — |
| Sep 15, 26 | Behm John D | director | A-Award | 70 | — |
| Sep 15, 26 | Bower Joseph B Jr | director | A-Award | 70 | — |
| Sep 15, 26 | Freeman Thomas E. | director | A-Award | 70 | — |